Two Democratic lawmakers from Palm Beach County want Florida to team up with other states to tame spiraling home insurance costs and climate-related risks.

West Palm Beach Sen. Mack Bernard and Boca Raton Rep. Kelly Skidmore just filed twin bills ( SB 366 , HB 319 ) to create a national risk pool for property insurance against natural disasters.

Under their proposal, Florida would spearhead a framework allowing states to share catastrophe risk, increase bargaining power with global reinsurers and stabilize home insurance markets, effectively building a collective safety net to spread the rising cost of disaster losses.

The legislation would go into effect July 1, with Florida’s Office of Insurance Regulation ( OIR ) having to develop the compact by Dec. 31, 2027.

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